On the hoarder situation we have found it most helpful to include language from the public health code on sanitation.  

Assuming your lease/license is in order, and no known defects that threaten health, life or safety, you can keep the SD plus interest in the amount of the unpaid rent.

Just don't wait until your health age affect your premiums.

http://obamacarefacts.com/obamacare-individual-man...The annual fee for not having insurance in 2015 is $325 per adult and $162.50 per child (up to $975 for a family), or it's 2% of your household income above the tax return filing threshold for your filing status – whichever is greater.http://www.cbsnews.com/news/is-mandatory-health-insurance-constitutional/

In my previous situation, we built bridges, small health clinics, and schools from ground up, currently we do tenant improvements, so still, even with my construction experience previously, there is still a transition/learning curve.

A thorough response as always.I have my own take, and as any attorney will say, this is not legal advice...For the asset protection purposes you need both (1) insurance and (2) properly structured company for litigation protection, an LLC/LP/etc.Insurance protects your from nuisance that occur on the property; i.e. slip and fallThe company structure protects your assets from litigation liability; i.e. gross negligence (health and safety, alleged known hazards, fraud in the sale of the property) as well as someone getting to your assets by suing you personally (e.x. you got into a car wreck that exceeded the coverage of your policy, now they can go after your assets)The due on sale clause is often a concern, but me and my colleagues view it as a very low risk for a number of reasons.

FHA, they're ensuring there aren't health/safety issues too.You can tell your local lender to get his *** out of the office and come look at the property a few days before the appraisal.

Response to Angela DeBorjaI believe you need to be where sellers, owners, investors and auction bidders are to really be market wise.Learning this business has many advantages, but also giant pit falls; tenants suing you, not paying rent, rent escrow, no income (mortgage must be paid), repairs, unnecessary calls.negotiating with sellers can be distressing; tax sale, mortgage foreclosures, health issues, bankruptcy, estates.Bidding on tax certificates, lots of competition.I like to avoid the competition and deal directly with people who really want or need to sell.Go where you are respected and appreciated - to the sellers who want an offer.Rent court - who goes there - tenants who don't pay and----- and landlords with tenants who don't pay!

***This is despite him having had BSBC health insurance at a price of over $700.00/mo.*** Fortunately, his brother is a millionaire and can afford it.

Looks like septic tanks are needed here, so I will have the health dept soil test prior to closing, this will ensure that we can put a septic on the property.2.